I first bumped into M-Pesa after I landed at Gemalto after the Serverside acquisition. M-Pesa (M for mobile, pesa is Swahili for money) is a mobile-phone based money transfer and microfinancing service founded by Safaricom and Vodacom, the largest mobile network operators in Kenya and Tanzania. It is now the most developed mobile payment system in the world, M-Pesa allows users with a national ID card or passport to deposit, withdraw, and transfer money easily with a mobile device.